Best Honda Element Car Insurance Quotes (2024)
The average Honda Element insurance cost for full coverage is $94/mo while teens pay the highest Honda Element insurance rates at up to $342/mo and good drivers may only pay $55/mo. Compare multiple Honda Element insurance quotes using our comparison tool below to find the lowest rates.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
UPDATED: Dec 20, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 20, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,124 a year or $94 each month
- A liability-only policy costs around $450 a year or $38 each month
- Highest rates are for teenage drivers at around $4,108 a year or $342 each month
- Good drivers can save as much as $463 a year by earning policy discounts
- Honda Element insurance costs around $395 less per year than the average vehicle
Honda Element insurance rates are quite a bit less than the average vehicle, coming in at around $1,124 a year or $94 a month for full coverage. An older car may only need liability coverage which is $450 a year or $38 a month. Good drivers can be eligible for up to $463 a year for remaining claim-free. Let’s look at Honda Element insurance rates, safety features, and compare car insurance.
You can start comparing quotes for Honda Element car insurance rates from some of the best Honda Element car insurance companies by using our free online tool now.
Honda Element Insurance Cost
The average Honda Element auto insurance rates are $1,124 a year or $94 a month. However, you must remember that there will be differences in Honda Element car insurance rates by state because of local regulations.
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Are Honda Elements Expensive to Insure?
The chart below details how Honda Element insurance rates compare to other SUVs like the Mitsubishi Outlander, Toyota 4Runner, and Dodge Durango.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Mitsubishi Outlander | $306 | $542 | $332 | $1,316 |
| Toyota 4Runner | $332 | $512 | $332 | $1,312 |
| Dodge Durango | $348 | $562 | $372 | $1,440 |
| Volkswagen Atlas | $358 | $690 | $390 | $1,596 |
| Audi Q7 | $394 | $714 | $398 | $1,664 |
| Mercedes-Benz GLC 300 | $412 | $810 | $390 | $1,770 |
However, there are a few things you can do to find the cheapest Honda insurance rates online.
What Impacts the Cost of Honda Element Insurance?
The Honda Element trim and model you choose can impact the total price you will pay for Honda Element insurance coverage.
Age of the Vehicle
Older Honda Element models generally cost less to insure. For example, car insurance rates for a 2011 Honda Element are $1,124, while 2010 Honda Element rates are $1,104, a difference of $20.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2011 Honda Element | $196 | $310 | $460 | $1,124 |
| 2010 Honda Element | $190 | $292 | $464 | $1,104 |
Driver Age
Driver age can have a significant effect on Honda Element car insurance rates. For example, 30-year-old drivers pay $49 more for Honda Element car insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Honda Element insurance rates. For example, drivers in Los Angeles may pay $967 a year more than drivers in Indianapolis.
Your Driving Record
Your driving record can have an impact on the cost of Honda Element car insurance. Teens and drivers in their 20’s see the highest jump in their Honda Element auto insurance rates with violations on their driving record.
Honda Element Safety Ratings
Your Honda Element auto insurance rates are tied to the Honda Element’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Not Tested |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Honda Element Crash Test Ratings
Good Honda Element crash test ratings can lower your Honda Element auto insurance rates. See Honda Element crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| Honda Element | N/R | N/R | N/R | 3 |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Honda Element Safety Features
Are Honda Elements expensive to fix? That, of course, depends on the individual situation, but the Element does have a slew of safety features to help you feel secure behind the wheel. Honda Element safety features can lower the cost of your insurance. The safety features for the 2020 Honda Element include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
Honda Element Finance and Insurance Cost
If you are financing a Honda Element, most lenders will require your carry higher Honda Element coverage options including comprehensive coverage, so be sure to shop around and compare affordable Honda Element car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Honda Element Insurance
If you want to reduce the cost of your Honda Element insurance rates, follow these tips below:
- Don’t Assume your Honda Element is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
- Pay Your Honda Element Insurance Upfront
- Move to the Countryside
- Use a Service Like Turo to Rent Out Your Honda Element (read our “Does car insurance cover Turo?” for more information)
- Save Money on Young Driver Honda Element Insurance By Mentioning Grades or GPA
Top Honda Element Insurance Companies
Several top car insurance companies offer competitive rates for the Honda Element rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Honda Element drivers organized by market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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Frequently Asked Questions
What factors affect the cost of Honda Element car insurance?
The cost of Honda Element car insurance can be influenced by several factors, such as your driving record, age, location, coverage level, and the safety features of your vehicle. The insurance providers also consider the frequency of accidents and thefts associated with the Honda Element when setting insurance rates.
What type of coverage should I consider for my Honda Element?
The coverage you should consider for your Honda Element depends on your individual needs and preferences. Standard options include liability coverage, collision coverage, comprehensive coverage, personal injury protection, and uninsured/underinsured motorist coverage. You can choose the coverage that fits your budget, risk tolerance, and the value of your vehicle.
Are there any discounts available for Honda Element car insurance?
Yes, several insurance providers offer discounts based on factors like safe driving, multiple vehicles, bundling policies, and anti-theft devices. You may also qualify for discounts based on your age, occupation, or membership in certain organizations.
How can I find the best Honda Element car insurance quotes?
To find the best Honda Element car insurance quotes, you can research and compare policies from different providers. Factors to consider when comparing quotes include the cost of premiums, coverage limits, deductible amounts, and any discounts or benefits offered. You can also work with an independent insurance agent to help you find the best options for your needs.
Should I purchase gap insurance for my Honda Element?
Gap insurance may be worth considering if you owe more on your Honda Element than it is worth. This coverage can help cover the difference between the actual cash value of your vehicle and what you owe in the event of an accident or theft. You should talk to your insurance provider to determine if gap insurance is a good option for your situation.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.